. . . . only when it doesn't cost him anything.

You are not really a victim. To me a victim is someone who gets something forced on them. This guy isn't forcing himself on you. He walks into your life with absolutely nothing to offer, except a warm body, and you say, "That's okay . . . . stick around. . . . I need the company."

You talk about wanting to "address these issues." The problem is not that your boyfriend and you have issues. The problem is that your boyfriend's approach to life is to use people. That's not an issue that you can address. He is telling you to either take it or leave it. Furthermore, if you complain about the deal he is giving you, he will intimidate you and/or denigrate you into stopping your complaints.

Your boyfriend probably has some complaints of his own. Like he doesn't see why you won't go and co-sign another loan to cover the cost of something else that he thinks he deserves to have. If he isn't saying that now, it's just a matter of time.

Ask yourself if you are the first person he has ever used. Does he have a history of being a good guy to other people? What did he do for the first 27 years of his life? You're unhappy about "having to give him money." What would happen, if you stopped doing that? Do you think he might find another girlfriend to pick up the slack?

Where did he learn to act like a hoodlum? Maybe it's not an act.